Debt-to-Income Calculator
Find out if your current and proposed debt obligations are safe relative to income.
Last updated: 2026-05-16
This calculator uses generic assumptions. Use advanced mode to override them for a more accurate result.
Inputs
Formula transparency
Source: defaultDTI = Σ Monthly Debt / Monthly Income
Frequently asked
- What's a safe ratio?
- Convention: up to 25% safe, up to 35% acceptable, above that high.
- Is rent counted?
- It varies by lender. Enter housing in advanced mode to see the impact.
- Net or gross income?
- Use net income for a realistic picture of your repayment capacity.
- Does the result guarantee approval?
- No. Each lender has its own criteria. The result is guidance only.
- Do you store my data?
- No, the calculation runs entirely locally in your browser.
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Results are estimates and not professional advice. Verify important decisions with a qualified professional.